Cloud, Minturn & Associates, LLC
Serving A Select Clientele With Personalized Service Since 1986
Whether you run a large or small business, 
you can benefit from the personal attention received from 
Cloud, Minturn & Associates, LLC professional staff.  

With years of experience in protecting the assets of a wide variety of industries, our expert staff provide the perfect complement to our quality insurance programs.  Working together, we can better protect your property, employees and customers.

On-Site Facility Evaluation
We'll conduct a hands-on analysis of the risks faced by your staff, and survey your property to assess the safety of your physical assets. In addition, we can help you evaluate the risks and advantages of implementing new technologies or processes.

Safety Recommendations 
Based on our on-site evaluation and loss analysis, our risk management specialists will present a comprehensive list of suggestions you can implement to make your workplace safer.

Claims Support
Commercial Policy & Workers' Compensation Claims Tracked & Expedited As Needed. Cloud, Minturn & Associates, LLC Works Closely With You  & The Insurance Carrier In Order To Process & Pay Claims In A Timely Manner.
Commercial Insurance Market Analysis
All Commercial Coverage Reviewed & Competitively Shopped Annually.  An Analysis Report Is Developed Comparing Your Existing Coverage & Prices To Renewal Coverage & Prices As Well As Alternate Carriers.
Commercial Policy Review
All Existing Policies Reviewed For Adequacy Of Coverage & Proper Premium Classification.
Coordination With Occupational Medical Providers
We Help You Control The Treatment Process.
Early Return To Work Program
Development & Initiation. This Type Of Program Gets An Injured Employee Back To Work Which Helps Cut Open Claims & Litigation Expenses.
Employer Support
Billings, Year End Audit & Miscellaneous Questions.
Fraud Abuse
Monitoring & Deterrence Programs.
Injured Employee
Monitoring & Phone Support.
Injury & Illness Prevention Program (IIPP)
Review And/Or Set Up & Monitoring To Help Insure Compliance With Cal/OSHA Guidelines.
Loss History Analysis
Loss Runs Ordered & Reviewed Annually. Outstanding & Closed Claims Activity Examined For Accuracy. Open Claims Reviewed For Possible Early Closure.
Modification Factor Review
Examination Of California Rating Bureau Data To Verify Correct Mod Factor.
Risk Management Review
Potential Risks Reviewed & Suggestions/Options Presented To Cover Gaps. Self Insurance vs. Transference Of Risk To Third Party Analyzed.
Safety Manual (SB198) Compliance
Review And/Or Production Of Safety Manual. All Sections Reviewed For Accuracy & Timeliness.
Workers' Compensation Insurance Market Analysis
A Market Survey Is Performed Annually. A Financial Analysis Report Is Developed & Reviewed With You. Cloud, Minturn & Associates, LLC Tracks The Workers' Compensation Marketplace To Determine Which Carriers Are Most Competitive.


California Department of Industrial Relations

Division of Occupational Safety and Health (DOSH)
The Division of Occupational Safety and Health, better known as Cal/OSHA, protects workers and the public from safety hazards through its Occupational Safety and Health, elevator, amusement ride, aerial tramway, ski lift and pressure vessel inspection programs, and also provides consultive assistance to employers.